Foundation One Bank
Waterloo, NE · Cert 18761 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Foundation First Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$182.2MAssets
$131.7MLoans
$155.5MDeposits
$19.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Omaha, NE-IA area (rank 12 of 24).
- Widest gap: net interest margin trails 92% of banks under $1B in assets in the Omaha, NE-IA area (rank 22 of 24).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.80%
Rank 21 of 24
Net Interest Margin
2.78%
Rank 22 of 24
Efficiency Ratio
66.55%
Rank 19 of 24
Equity / Assets
10.78%
Rank 11 of 24
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 25% of banks under $1B in assets in the Omaha, NE-IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.92% | 1.29% | 1.77% | Beats 13% | 21 / 24 | |
| Return on Equity | 7.38% | 9.64% | 12.01% | 15.30% | Beats 8% | 22 / 24 | |
| Net Interest Margin | 2.78% | 3.02% | 3.76% | 3.98% | Beats 8% | 22 / 24 | |
| Efficiency Ratio | 66.55% | 49.60% | 59.31% | 66.55% | Beats 25% | 19 / 24 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.10% | 0.37% | 1.03% | Beats 46% | 14 / 24 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 12 / 24 | |
| Capital |
| Tier 1 Capital Ratio | 9.83% | 10.53% | 11.57% | 13.63% | Beats 13% | 21 / 24 | |
| Total Risk-Based Capital Ratio | 9.83% | 11.15% | 12.06% | 13.90% | Beats 13% | 21 / 24 | |
| Equity / Assets | 10.78% | 8.87% | 10.14% | 12.27% | Beats 54% | 11 / 24 | |
| Liquidity & Funding |
| Loans / Deposits | 84.69% | 75.32% | 83.30% | 93.06% | 54th pctl | 11 / 24 | |
| Loans / Assets | 72.28% | 65.68% | 71.67% | 75.94% | 54th pctl | 11 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |